Having read a thread in Questions: http://www.torn.com/forums.php#!p=threads&f=3&t=15960780&b=0&a=0&start=0&to=16791202
It seems to indicate that the upgrade splash screen for level 10 contains text 'Unlock the Loan Shark' - however the user says they have access to the loan shark earlier than this, I think this was changed when Duke replaced Tim. The upgrade screen probably needs changing?
Mentions: Loan Shark lvl 10